We think it’s a must, but be sure you buy the policy from a third party, not the travel agent or cruise line that you booked with.

On the other hand, IAMAT’s medical services are free and with less red tape.

When you sign up (for free) you’re instantly eligible for the fixed IAMAT rates for the first consultation charged by participating doctors and clinics.
Renewing an IAMAT membership with a donation of any amount guarantees uninterrupted access to their medical services with qualified doctors in more than 90 countries and 350 cities worldwide.

IAMAT is a non-profit organization dedicated to travel health, and solely relies on donations from individuals to continue its work.

So what are the charges?

• Membership offers travelers English-speaking medical assistance and proper medical attention at about a $100 for a clinic call and $150 for a hotel call – well below the going rates typically charged to tourists

IAMAT also provides:
• Emergency care
• Referrals to specialists in all fields of medicine
• Medical report to the member’s personal physician
• House or hotel or night calls
• Consultations on Sundays or local holidays.

Tip
IAMAT’s web site goes beyond the medical insurance verbiage and offers a terrific photo contest with lovely images from around the world.
The question and comments section is invitational, and their blog hosts some very useful tips about traveling, from avoiding bed bugs to travel and rabies issues.